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ChoiceOne Financial Services, Inc. (COFS)

ChoiceOne Financial Services, Inc. at a glance — key fundamentals, SEC filings, insider buying and selling, and earnings dates.

ChoiceOne Financial Services, Inc. (COFS) is a Banks - Regional company based in US with a market capitalization of $471.6M. Revenue grew 38.7% year-over-year and the company generated $14M in free cash flow. This page tracks COFS's SEC filings, insider buying and selling, earnings dates, and key fundamentals in one place.

US · 605 employees · IPO Jun 21, 2001

Valuation

Valuation & price

$30.27 · as of May 17, 2026 · -12.0% vs 52w high

15.0

P/E ratio

Latest-FY diluted EPS

1.01

P/B ratio

Market cap ÷ book equity

—

Dividend yield

Price — last 12 months

$33.92$30.11$26.29Jul 25Dec 25Jul 26Jul 7, 25$29.96Jul 9, 25$30.00Jul 11, 25$29.61Jul 15, 25$28.76Jul 17, 25$29.26Jul 21, 25$29.35Jul 23, 25$29.65Jul 25, 25$30.36Jul 29, 25$29.93Jul 31, 25$29.40Aug 4, 25$28.86Aug 6, 25$28.79Aug 11, 25$28.96Aug 13, 25$30.50Aug 15, 25$29.98Aug 19, 25$29.89Aug 21, 25$29.75Aug 25, 25$30.53Aug 27, 25$31.17Aug 29, 25$30.86Sep 3, 25$30.58Sep 5, 25$30.75Sep 9, 25$30.50Sep 11, 25$30.45Sep 16, 25$29.69Sep 18, 25$30.34Sep 22, 25$29.65Sep 24, 25$29.43Sep 26, 25$29.35Sep 30, 25$28.96Oct 2, 25$28.10Oct 6, 25$28.61Oct 8, 25$28.11Oct 10, 25$27.03Oct 14, 25$28.15Oct 16, 25$26.29Oct 21, 25$27.56Oct 23, 25$27.43Oct 27, 25$30.39Oct 29, 25$29.01Oct 31, 25$28.64Nov 4, 25$28.87Nov 6, 25$29.41Nov 10, 25$29.33Nov 12, 25$29.44Nov 14, 25$29.78Nov 18, 25$28.64Nov 20, 25$28.65Nov 25, 25$30.74Nov 28, 25$30.44Dec 2, 25$30.47Dec 4, 25$31.63Dec 8, 25$31.30Dec 10, 25$31.89Dec 12, 25$31.90Dec 16, 25$31.94Dec 18, 25$32.24Dec 22, 25$30.83Dec 24, 25$30.49Dec 29, 25$29.87Jan 2, 26$28.97Jan 6, 26$29.43Jan 8, 26$28.66Jan 12, 26$27.83Jan 14, 26$28.01Jan 16, 26$28.53Jan 21, 26$29.34Jan 23, 26$28.84Jan 27, 26$29.18Jan 29, 26$29.56Feb 2, 26$29.65Feb 4, 26$30.45Feb 9, 26$29.78Feb 11, 26$29.49Feb 13, 26$28.76Feb 18, 26$28.77Feb 20, 26$29.72Feb 24, 26$28.70Feb 26, 26$29.52Mar 2, 26$29.43Mar 4, 26$29.58Mar 6, 26$28.28Mar 10, 26$28.04Mar 12, 26$27.72Mar 17, 26$27.54Mar 19, 26$27.56Mar 23, 26$27.88Mar 25, 26$27.57Mar 27, 26$27.22Mar 31, 26$28.12Apr 2, 26$28.50Apr 7, 26$28.82Apr 9, 26$30.32Apr 13, 26$30.40Apr 15, 26$30.03Apr 17, 26$30.94Apr 22, 26$30.10Apr 24, 26$30.78Apr 28, 26$30.73Apr 30, 26$30.03May 4, 26$30.23May 6, 26$31.16May 8, 26$31.48May 12, 26$30.87May 14, 26$30.46May 18, 26$30.84May 20, 26$31.35May 22, 26$31.44May 28, 26$31.42Jun 1, 26$31.00Jun 3, 26$30.52Jun 5, 26$31.78Jun 9, 26$32.40Jun 11, 26$32.42Jun 15, 26$31.93Jun 17, 26$32.18Jun 22, 26$32.08Jun 24, 26$33.09Jun 26, 26$32.88Jul 2, 26$33.92
$26.2952-week range$34.41
Loading valuation history…

Fundamentals

Key fundamentals

$471.6M

Market cap

38.7%

Revenue growth (YoY)

58.2%

Gross margin

$14M

Free cash flow (USD)

$91.2M

Net debt

70.7%

Share dilution

3/4

Graham criteria passed

Defensive-investor screen

Financial Services

Sector

Trajectory

Long-term trends

Revenue by year

2016 → 2025

FY 2016$28.2MFY 2017$28.9MFY 2018$31.4MFY 2019$41.6MFY 2020$78.4MFY 2021$83.8MFY 2022$89.1MFY 2023$113.9MFY 2024$139.1MFY 2025$192.9M
$28.2M$192.9M

Free cash flow by year

2016 → 2025

FY 2016$9.1MFY 2017$6.4MFY 2018$5.7MFY 2019$8.4MFY 2020$6.6MFY 2021$34.9MFY 2022$43.2MFY 2023$42.2MFY 2024$46.9MFY 2025$14.0M
$9.1M$14M

Gross margin by year

2021 → 2025

FY 202194.8%FY 202291.0%FY 202370.8%FY 202466.0%FY 202558.2%
94.8%58.2%

Value screen

Graham defensive-investor tests

Computing the scorecard — refreshing any stale inputs…

0

Insider buys · 90 days

0

Insider sells · 90 days

Earnings

Last report: 10-Q filed May 11, 2026

Next expected: not yet scheduled

On the tape

Recent SEC & insider activity

  • 8-K eventAnnual Meeting ResultsMay 27, 2026Filing
  • 8-K eventShareholder Meeting ResultsMay 22, 2026Filing
  • FinancingSecurities RegistrationMay 22, 2026Filing
  • 8-K eventAnnual Meeting AgendaMay 20, 2026Filing
  • Quarterly report10-Q FiledMay 11, 2026Filing
  • 8-K eventEarnings ReleaseMay 5, 2026Filing
  • 8-K eventEarnings ReleaseApr 24, 2026Filing

Questions

Frequently asked questions

What is ChoiceOne Financial Services, Inc.'s market cap?

ChoiceOne Financial Services, Inc. (COFS) has a market capitalization of $471.6M.

What is COFS's P/E ratio?

COFS trades at a price-to-earnings ratio of 15.0, based on its latest fiscal-year diluted earnings per share and the most recent cached price.

What is COFS's price-to-book (P/B) ratio?

COFS trades at 1.01 times book value per share.

Are insiders buying COFS stock?

SEC Form 4 filings show no open-market insider buys at ChoiceOne Financial Services, Inc. in the last 90 days (0 sells).

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Timeline

Every filing, insider trade & earnings on a price-anchored timeline

Filing Analyzer

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News

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Data: SEC EDGAR filings and cached fundamental data; prices and ratios use the most recent cached quote and statements (may lag by up to a day). Educational and research purposes only. Not investment advice.